1-Minute Credit Decisions
AI that understands small business risk beyond credit scores. Real-time scoring. Pre-approved offers. Instant decisions.
Get Speed, Precision and Inclusion.
AI That Understands SMEs
Not just automated. Intelligent. Our Credit AI combines traditional credit science with behavioral and financial signals to power lending that’s fast, fair, and future-ready.
Alternate Data Scoring
Analyzes mobile money flows, utility bills, device and app usage, social signals and more.
Dynamic Risk Profiling
Adapts continuously using live financial data feeds - keeping scores current and risk-adjusted.
Multi-Source Data Fusion
Our AI correlates structured (financials, KYC) and unstructured (documents, behavioral logs) data building better credit profiles.
Credit Monitoring & Early Warning
Tracks real-time SME behavior to flag risks, recommend proactive limit changes, reducing defaults.
Faster Credit. Lower Risk. Higher Returns.
Cut approval times from 3 days to under 3 minutes, serve 3X more thin-file SMEs, while reducing backlogs and manual underwriting.
Decisioning Engine for Modern SMEs
Unlock credit potential using behavioral data, internal financial signals, and dynamic AI models.
Multi-Source Data Integration
Combines bureau data, bank activity, e-comm sales, mobile money, utility payments, business documentation, and internal product usage analytics for deeper insights.
AI Scoring & Profiling
Adjusts risk models in real-time; self-learns from new data and outcomes.
Personalized Offers
Shows pre-approved credit limits, custom tenures, and varied rates—tailored by risk and opportunity.
More Power Features
Always-On Credit Monitoring
AI continuously updates scores as new data comes in-enabling dynamic limits, risk flagging, and loyalty reward offers.
Automation & Compliance
All decisions are logged, auditable, and aligned with local KYC/AML, privacy, and credit governance.
Multi-Tier Decision Rules
Blend policy, AI, and compliance rules for fast, controlled decisions.
Compliance & Security built-in
Global Compliance Ready
We are fully aligned with ISO 27001, ISO 27701, GDPR, and other global privacy and security standards—giving you peace of mind on day one.
End-to-End Encryption
All data is encrypted in transit (TLS 1.3) and at rest (AES-256), guaranteeing that sensitive customer and financial information remains protected at all times.
Role-Based Access
Fine-grained user permissions, enforced MFA/2FA, and adaptive access controls prevent unauthorized entry.
AI Auditing - Admin Oversight
Audit trails, real-time monitoring, and admin controls for transparent governance.
Secure Cloud Hosting
Compliant, region-appropriate cloud infrastructure, with strict access controls and threat monitoring.
News & articles
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Lead with AI
The SME economy is rising and this is your time to build the future of SME finance.
Our team is here to guide you - from first conversation to full launch.